Answered by setting, not in general.

Skilled nursing carries the highest-severity claim profile in senior care, and its claims are assembled almost entirely from records the facility produced. That single fact drives most of what is distinctive about insuring it.

• How much liability limit does a nursing home need?
• Does insurance pay CMS civil money penalties?
• Who is liable when an agency nurse makes an error?
• Is the medical director covered under our policy?
• What does one bad loss year do to our pricing?
• Do we need billing errors and omissions coverage?
• Should general and professional liability be on the same policy?

Assisted living is the least standardized setting in senior care. What the license permits, what staff may administer, and what acuity a facility may accept all vary by state, and so does the vocabulary used to describe the same operating model.

• Does my state require an assisted living facility to carry liability insurance?
• Can we use one medication administration policy across several states?
• What is a negligent admission or retention claim?
• What changes on our insurance when we open a second building?
• Do we need abuse coverage if we have never had a claim?
• Is a business owners policy enough for an assisted living facility?
• Does adding a memory care wing change our insurance?

Memory care exists to serve residents whose diagnosed conditions produce wandering and, sometimes, physical aggression. Those behaviors are clinically expected, which is exactly what makes the resulting claims both defensible in substance and dangerous in practice.

• Is elopement covered under our policy?
• Is a resident on resident injury treated as an assault claim?
• What do underwriters want to see from a memory care operator?
• Can we negotiate a carve-back for resident behavioral incidents?
• Does a secured unit reduce our premium?
• What happens if a resident elopes and is not harmed?

A CCRC is a care provider, a real estate operator and a long-dated financial promise at the same time. The care side is insured like assisted living and skilled nursing combined; the financial side has no equivalent in a standalone building and is where CCRC programs are usually thin.

• What insurance exposure do refundable entrance fees create?
• Are volunteer trustees personally exposed?
• Do our bond covenants dictate our insurance?
• How should the aggregate be structured on a single campus?
• Does one policy cover all our levels of care?
• Do we need fiduciary liability separately from D&O?
• How do resident trust funds work at a CCRC?

Independent living does not hold a care license, and the insurance usually reflects that. The gap is that a claim is pleaded by the plaintiff rather than by your license, and your residents are old.

• Do we need professional liability if we have no care license?
• Does offering a wellness program create liability?
• Is our emergency call system data discoverable?
• What covers resident transportation?
• What changes if we add assisted living to the campus?
• Is independent living priced like an apartment building?

Six to sixteen beds, often in a converted house, frequently run by an owner who is also the administrator. The acuity is not materially lower than a larger facility, but the insurance almost never arrives written for it.

• Why is a business owners policy not enough for a licensed care home?
• Can a six-bed home get specialty market access?
• What changes when we open a second house?
• What if the owner lives in the house?
• Do small homes need abuse and molestation coverage?
• Do we need workers compensation for live-in staff?

Removing the building removes some exposures and adds others. The care is still professional liability, but you do not control the premises, staff drive constantly, and supervision happens through documentation rather than observation.

• Do we need auto coverage if the agency owns no vehicles?
• What covers damage to a client home or property?
• How do we defend a claim when supervision is remote?
• Why is wage and hour the claim we actually get?
• Does HIPAA apply to a home care agency?
• Are we liable for a caregiver we treat as a contractor?